Finance Tools

International Money Transfer Exchange Rate Calculator

Estimate the effective exchange rate for international money transfers after including transfer fees and exchange rate markups.

International Money Transfer Exchange Rate Calculator

International transfers often combine exchange rate markups with transfer fees. This tool estimates your all-in effective exchange rate and total cost versus the mid-market benchmark.

True market rate benchmark (no markup).
The rate shown by the remittance provider.
Enter the amount you plan to send.
Flat fee charged in base currency.
Percent fee applied to the amount sent.

How it works

We subtract explicit fees from your sent amount, apply the offered rate, then compare the result to an ideal benchmark using the mid-market rate. The gap is your all-in cost.

FAQ

What number should I compare across transfer services?
Compare the “Effective Exchange Rate (All-In)” — it includes fees and rate markup.

Does this include recipient bank fees?
Not automatically. If you know extra recipient fees, add them as additional flat fees.

How to use this international money transfer exchange rate calculator

  1. Enter the mid-market exchange rate.
  2. Enter the offered exchange rate from the transfer service.
  3. Enter the amount you want to send.
  4. Enter transfer fees (flat and/or percentage).
  5. Click Calculate to see the all-in effective exchange rate and total cost.

Example

If the mid-market rate is 1.10 and the service offers 1.05 with fees, this tool estimates your all-in rate:

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